Taxpayer bailout for subprime borrowers?

Why not? The government bails out both agribusiness and the small farmer, the corporations and the mom and pop stores, the railroads and the airlines, the state and local government officials who botch up their congressional earmarks, the auto industry, the poor public schools and the floundering charter schools, the state highways and the interstates alike, the student loan recepients and the university administrations that talked them into it, the medicaid nursing homes and the welfare moms. The USA bails out former enemies and future enemies both. We have been conditioned to think that there will be a safety net no matter what because the good times will always roll.

By the end of 2006, 61% of the subprime loans were going to people who had credit scores good enough for a conventional loan. Whether it was greed, thinking they would flip the property, or emotion, they fell for it. And all sorts of industries benefitted in spending frenzies.

We don't have a subprime loan on any of our properties, but we will certainly be affected if our neighbors in UA or Lakeside or Canal go into foreclosure. We have many friends who work in unrelated industries such as retail, or banking, or construction or service trades, or the university, or travel and leisure, to say nothing of the ones who are living on savings and pensions. Those people struggling to meet $1500-$2000 a month mortgage payments certainly won't be buying new baggy jeans for junior, or buying plane tickets to visit Grandma at Christmas, or meeting their college loans for their daughters.

I wasn't around in the 1920s--but the signs of the coming Great Depression were all around as loans were being called in on the people who bought land to support the war effort. Hoover can't be blamed for the depression and FDR didn't do anything to get us out of it that was effective in the long run.

If giving people a few more months on their mortgage, however badly they planned, will save the whole nation from a collapsing economy, how could that hurt?

The definition of rich

According to a new survey, the Republicans get it right.

Rich" to a Republican isn't quite the same thing as it is to a Democrat or independent. Only 28% of Republicans associate "rich" with having money, material goods and power, compared with 41.5% of Democrats and 51% of independents. Republicans were much more inclined to define "rich" as having family, friends, freedom, faith and peace of mind.

Click on the thumb nail to read the entire survey.

Must, may and might

When I learned grammar these were called auxiliary verbs. Used with a verb they become a verb phrase helping with an action or condition. There are twenty-three auxiliary verbs: is, am, are, was, were, be, being, been, has, have, had, do, does, did, shall, will, should, would, may, might, must, can, could. I can't imagine how confusing it must be for non-English speakers to make their way through this list of auxiliaries, and how to use them. Some speakers of English go overboard with these little crutches.

I recently read a draft report called Draft Report of the Working Group on the Future of Bibliographic Control . Control is a favorite word of librarians. But what I noticed in this draft report (they are requesting comments) is the overworked auxiliary verbs. The first part of the document is loaded with "must." In case you hadn't noticed from my blog, librarians are fond of dogmatic, strongly worded statements, and are very opinionated. So, in this draft were "must"

continue
step forward
look beyond
realize
begin
do their work
continue
be used
be a part of
analyze
work
devise
be taken
purchase
be derived
be openly arrived at (wordy too)
be created
be pursued
be considered
be usable
be able
be seen
come
achieve

Then after that powerful mandate, the writers soften up a bit and move on to "might"

take on
be shared
have participated
include
be to develop
be to engage
lend
be made
exist
be facilitated

and then finally wimp out altogether with "may"

still conclude
be operated
be forbidden
also lead
be opportunities
also be possible
change
be openly available
not be compatible
change
not provide
prove
be required
potentially be
of most interest
result
benefit
require
be unfamiliar
vary
have changing and expanding needs
be considered
arise
not be optimally applied

If you are a school teacher or a social worker or anyone working in a government agency, you probably use these helping verbs throughout your documents too. I think they mainly contribute to the time it takes to accomplish anything in publically funded agencies. These little verbs might be the reason Google, a start up 9 years ago by two grad students, is stomping out the need for librarians. Now that the Google founders are rich and going all greeny on us, we can expect them to act more like librarians, which will give my profession a chance to catch up.

Deadly winter storm

From the Dakotas to the northeast--and I'm betting it will be blamed on global warming.

Drivers in much of the Northeast navigated a treacherous mix of rain, sleet and snow Monday as a storm blamed for at least 14 deaths slid through the region after pounding the Upper Midwest.AP story

How to update your Christmas card list

I saw this at Shirley Hornbeck's Genealogy Tips, #2:

FINDING LIVING RELATIVES:

To contact a living person whom you have lost, write a letter to the person, be sure to include your address and telephone number in the letter. Send the letter in an unsealed stamped envelope, along with a cover letter to the Social Security Administration, Letter Forwarding Unit, 6401 Security Blvd., Baltimore, MD 21235. Include in your cover letter as much as you know about the person: Name, Social Security number, birthplace, birth date, name of the person's parents. You do not have to know all of the information, but the process will be quicker if you give more identifying information. If the person you are seeking is listed in the SSA files, the letter will be forwarded to them and it's up to that person to contact you.

If they owe you money, don't hold your breath.

We deserve better than Rudy

Nice guy. Did a lot for New York. Funny. Charming. But Americans can do better. His personal life is a mess--now they're dragging up the details of public funds being used to escort and protect his mistress (now his wife) during the 9/11 period. We're-so-above-being-judgemental writers and commenters really aggrevate me. Then if public money is used, then maybe they'll take a second look. The personal is political. Just ask the Clintons. If his wife and kids can't trust him, why should we?

4385 Kennedy to get 8 million for his book

How much would you pay to own it? How much would you have to be paid to read it? How many copies will Upper Arlington Public Library buy? Great cartoon, Nov. 29

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Hillary's handlers

may want to get Bill out of the kitchen. His remarks this week in Iowa about opposing Iraq from the beginning, were just false, and so easy to check, that it's just a reminder for the American people about how glib and prone to lying for no particular reason, he was. Even I remember his lauching air strikes to take out WMDs, "Their mission is to attack Iraq's nuclear, chemical and biological weapons programs and its military capacity to threaten its neighbors." He believed Hussein had the weapons and believed he'd use them again. Like Bush, he still believed in the cause months after we went to war in 2003. Why not just say that you used to believe in regime change and then admit being wrong or saying he would have done it differently? Is it better to lie about what you said and believed? I can't imagine that this helps his wife. He didn't help Gore, so maybe he'll stab her in the back too. Maybe it's all about Bill?

Why John Edwards shouldn't be President of the United States

"Edwards became wealthy as a trial lawyer. His craft was therefore derivative: When something happened to someone else, Edwards filed a lawsuit. He then told his client's tale. He made millions doing so. If I were seriously injured as a result of someone else's carelessness, I would consider hiring John Edwards. These are impressive verdicts and settlements.

But I will not vote for him as president. I simply don't trust him. When his lips are moving, I am never quite sure what comes out. It often sounds like callow hyperbole, as in the stumping in New Hampshire.

Edwards' skill is attracting seriously injured clients and then forcing large cash payments from those who caused their injury. That doesn't make him a pioneer in social justice. He's just a very good lawyer who made enough money to cash out and try his hand at being a master of the universe." Norm Pattis

She didn't notice his cruelty?

I don't read a lot of blogs that discuss divorce; this one I read for other reasons, but found this an eye opener: "For example, there was the time when thinking about the future, I inquired if a family was something we might want. The response I received was that he wouldn’t be opposed to having children if he met the right person. Though I tried not to show it, I was taken aback. I was his wife. Didn’t it stand to reason that if we had committed ourselves to marriage that I was the right person? Apparently not…

And once he told me that without a job, an apparent purpose in life, my intellect was dimming and soon I would be like his mother. His mother! If I had a dime for every time he compared me in unflattering ways to his mother…"

Keith Kerr, gay activist

Is there anyone out there who thinks CNN, and particularly Anderson Cooper, didn't know that General Keith Kerr was at the debates to try to embarrass the Republicans about a Clinton presidency regulation called "Don't ask, don't tell." And isn't it a bit disingenuous when obviously, he got to the top of the heap by NOT revealing his homosexuality while he was on his way to general? Gay men must be the only minority (about 1%) who are also the wealthiest, best educated, most insured, most politically active, most mobile, most represented far beyond their numbers in every area of the arts, entertainment and literature, but who still want to be considered victims. Anderson Cooper is our next Dan Rather. Says he just had no idea.

Black sweater fashion showdown

Today's WSJ featured a story about a $99.50 black sweater from Land's End (owned by Sears) up against a $950 black sweater from Bruno Cucinelli. Both were made of cashmere from Mongolian goats in China, but the "cheap" one was made in China and the expensive one in Italy. The writer said the Land's End was a bit stiff and wrinkled easily, but the Italian sweater had to be returned to the store for repairs because something started to unravel. The $950 sweater was made in a 17th century castle by workers who get a 90 minute lunch or a free 3-course meal at work cooked by local women. So when rich, limosine liberals buy a sweater from Cucinelli, they can rest assured that the hand work was truly done by hand, and no 3rd world worker was allowed to improve himself on her dollar.

I'll have to check the label on my black mock-turtleneck bought on sale 2 years ago at Meijer's for $5.00. That leaves me a little to drop in the collection plate rather than wearing my wealth (or pension check). And it hasn't wrinkled or unraveled.

Country Music

Over at America Matters, there's a good post on country music.

I had the opportunity once again with my family to visit Branson Mo. over the Thanksgiving Holiday. Sure it's a heavily traveled tourist town. But the vibe and feel of the town is what got me. I was re-invigorated by the end of our three day stay. Every show we saw proudly spoke of God and honored our Veterans. Every shop we went to had a patriotic theme. This town wears their love of God and America on its sleeve. This invigorating vibe was every where. I loved it and I feel all is well in America because of it. There is a lot to say about our folks who make up our small towns and who make country music. They are grounded and as real as it gets.

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Biting the hands that rescued you

If there's anything more pugnacious than on-line squabbling among Christians, it's the on-line pot shots by members of the adoption triad. Yesterday I was reading an interesting article at the NYT blog Relative Choices about adoption--it was a reunion story between a birth mother (a writer/journalist) who never had another child and her PhD bi-racial daughter, who didn't have a good adoptive mother, but has been quite successful and well-adjusted. Without the birth and adoption, neither would probably be where they are today (in my opinion) and both had overcome personal adversity. Still, it's a nice reunion story--many aren't.

Also at this blog there are some writers and commenters who are the younger group of international adoptees (so their birth mothers are not represented). Some have returned to their country of origin to look around. Unlike the thoughtful responders from the 1950s and 1960s who did the best they could given the mores of the time, these adoptees are subtly militant. Others from the late 80s born or birthing in a totally different era aren't the least impressed with "openness" or "family building." Nor do any seem pro-life, assuming I suppose if they'd been scraped into a garbage pail they would have been saved the horrific fate of being a well-off American. Some are journalists by profession and have definitely benefited from the anti-Wal-Mart, anti-capitalist, anti-Western culture atmosphere of their college training. They seem so mired in ennui that their "culture" or history or language (or their birth parents) were ripped from their tiny little fists in those delivery rooms and orphanages.

Who said life was fair? I grew up with married parents, 3 siblings, 6 grandparents, a good school system that offered neither art nor foreign language with its caring teachers, and with friends who pretty much looked and acted like me. There are others who grew up with many more advantages materially, but some with less familially. Some people struggle to come to the USA, others need to flee to Canada or France while they still can and leave the rest of us alone to enjoy our miserable existence.

Wansink new director

Brian Wansink, Director of the Food and Brand Lab at Cornell, is now Executive director of the USDA Center for Nutrition Policy and Promotion. He studies environmental factors that push Americans to overeat. "No one goes to bed skinny and wakes up fat," he says. I'm not sure exactly what it means, but it sure is true!

What is the best way to mindlessly change behavior? Simply and metaphorically, we need to put the serving bowl back by the stove. Smaller plates. Taller, skinnier glasses. That's what we want to go for. Things they don't have to think about. It's not about educating people. Part of it relates to economics, I don't mean dollars and cents. I mean the economics of cognitive effort and the economics of physical effort. Here's an example. We eat a lot less of the Oreos that come in mini-packs of 2 or 3 because there's a little cognitive cost and a little physical cost to opening another little package. We have to pause and think. From a Wired interview

I've noticed that. If I leave a serving dish on the table, I'll dip in for another helping even if I'm not hungry. If I just left it on the stove, I wouldn't even think about it.

A Quiz for Idiots

I saw this in a local publication, so you can substitute "your state" for the word Ohio except for #9. Ohio is the birthplace of many presidents and movie stars, so you should try that one. You'll probably be able to do most of these even if you don't live in the United States.

Quiz for Idiots

Okay, here it is by popular demand, our first annual Quiz for Idiots. Fasten your seat belts and here we go!

1. What is the capital of the U.S.A.?

2. What is the capital of Canada?

3. What century is this?

4. Who is the governor of [your state]Ohio?

5. Who are the two U.S. senators from [your state] Ohio?

6. What county is Columbus in?

7. What planet do we live on?

8. Who is the Vice-president of the United States?

9. Name five states that abut Ohio.

10. What is the capital of Mexico?

Quiz Answers below

1. Washington, D.C.
2. Ottawa
3. Twenty-first
4. Ted Strickland, Democrat
5. Sherrod Brown (D), George Voinovich (R)
6. Franklin
7. Earth
8. Dick Cheney
9. Indiana, Michigan, Pennsylvania, Kentucky, West Virginia
10. Mexico City (in Spanish: Ciudad de México, México, D.F. or simply México)

HT Short North Gazette, before the last election.

"Fatherhood changed him"

Just not enough to marry his girlfriend of seven years, the mother of his 18 month old daughter. Yes, the intruder that shot him in the bedroom of his $900,000 home inflicting a fatal wound created a terrible tragedy for his family and his teammates, but let's not laud Sean Taylor's parenting, any more than his past scrapes with the law and fights off the football field. Although his daughter will probably not grow up in poverty, most children whose mothers don't marry the father of their children do. It's the number one cause of poverty in America. And he was a powerful role model. This tragedy has multiple threads--let's not get them tangled.

Perhaps I've watched too much Law and Order, or episodes of the Closer, but burglars don't look for people in home invasions, they try to avoid them. And there are easier places for a revenge killing if this was related to his previous problems with "bad guys."

The Night Before Christmas parodies

This week a friend sent me an up-to-date parody of the Night Before Christmas, one of the politically correct versions. As I was checking for parodies (this poem has inspired hundreds--I remember we had one for McKinley Hall at the University of Illinois for Christmas 1959), I really enjoyed this one at a site for parodies.

A more spiritual version of the famous Christmas story
By: Sister St. Thomas, B.N.D. de N

Twas the night before Christmas, and all through the town,
St. Joseph was searching, walking up roads and down;
Our Lady was waiting, so meek and so mild,
While Joseph was seeking a place for the Child.

The children were nestled, each snug in their beds,
The grown-ups wouldn't bother, there's no room they said;
When even the innkeeper sent them away,
Joseph was wondering, where they would stay.

He thought of the caves in the side of the hills,
Lets go there said Mary, it's silent and still;
The moon on the breast of the new fallen snow,
Made pathways of light for their tired feet to go.

And there in a cave, in a cradle of hay,
Our Savior was born on that first Christmas Day!
The Father was watching in heaven above,
He sent for His angels, His couriers of love.

More rapid than eagles God's bright angels came;
Rejoicing and eager as each heard his name;
Come Power, Come Cherubs, Come Virtues, Come Raphael,
Come Thrones and Dominions, come Michael and Gabriel.

Now fly to the Earth, where My poor people live,
Announce the glad tiding My Son comes to give;
The Shepherds were watching their flocks on this night,
And saw in the heavens and unearthly light.

The Angels assured them, they'd nothing to fear,
It's Christmas they said, the Savior is here!
They hastened to find Him, and stood at the door,
Till Mary invited them in to adore.

He was swaddled in bands from His head to His feet,
Never did the Shepherds see a baby so sweet!
He spoke not a word, but the shepherds all knew,
He was telling them secrets and blessing them too.

Then softly they left Him, The Babe in the hay,
And rejoiced with great joy on that first Christmas Day;
Mary heard them exclaim as they walked up the hill,
Glory to God in the Highest, Peace to men of good will!
You'll find parodies silly and serious and even in Spanglish here.

Free speech in Canada is on the way out

Is this the direction the U.S. is moving? In Canada you can not only get in trouble for "hate speech," (just like here), but you also can't call someone "an enemy of free speech." Now that's hateful! Read about it at Volokh Conspiracy.

The court is insisting that Canadians' speech not only follows the government-approved ideology on the topic of race, ethnicity, and religion (an ideology that I agree with, but that I don't think should be legally coerced). It is also insisting that Canadians' speech follows the government-approved ideology and terminology on the topic of free speech itself.

What's for dinner?

I'm about turkey'd to death. I fix myself grilled veggies for lunch (today's choice was onions, black beans, red bell peppers, turnip greens and shredded carrots), but while my husband was fixing his turkey sandwich, I snitched a few pieces. We've had either turkey or ham every day since last Thursday. Today I threw out the beef and gravy and the rice with cheese and sausage that were last week's leftovers which had been pushed to the back and forgotten. So tonight we're having Maryland style crab cakes (Trader Joe), baked sweet potatoes, green peas, tossed salad, and fresh strawberries. Have you finished up or frozen the Thanksgiving left overs at your house?